Mortgage Protection

It’s now time to protect what is yours.

Mortgage Protection

Mortgages Made Simple, Personal, and Stress-Free

At Digital Financial Services, we know that your mortgage isn’t just a loan — it’s the foundation for your future plans. Our role is to take the stress and uncertainty out of the process, giving you clear guidance, honest advice, and the best possible outcome for your situation.

We work with a wide range of lenders to find a mortgage that suits your needs — not theirs. Whether you’re:

Buying your first home and want to understand your budget and options
Moving to a new home and need a smooth transition
Switching your mortgage to secure a better rate and save money
Releasing equity for renovations, investments, or personal needs
Self-Building your new dream home.

…we’ll handle the research, comparisons, paperwork, and negotiations, so you can focus on your next chapter.

Why Choose Us?

Access to a wide panel of lenders for more choice and flexibility
Clear, jargon-free explanations so you always understand your options
A personal, one-to-one service tailored to your circumstances
Regulated advice you can trust

Your home is more than bricks and mortar — and your mortgage should work for you, not against you. Let’s make it happen.

Our Mortgage Process

Understanding Your Goals – We start with a conversation about your needs, budget, and future plans.
Exploring Your Options – We compare lenders, rates, and terms to find the most suitable fit.
Managing the Application – We take care of the paperwork and liaise with lenders, solicitors, and other professionals.
Ongoing Support – Even after your mortgage is approved, we’re here to review and help you adapt as your circumstances change.

Frequently Asked Questions:

FAQ: How much of a deposit do I need to buy a home in Ireland?
Answer: First-time buyers in Ireland typically need a deposit of at least 10% of the property’s value. If you are purchasing a buy-to-let property, the required deposit is more. Some government schemes, like the Help-to-Buy scheme, can assist with deposit costs.

FAQ: What factors affect mortgage approval?
Answer: Lenders assess mortgage applications based on several factors, including:
– Your income and job stability.
– Your existing debts (loan-to-income ratio).
– Your credit history.
– Your ability to provide a deposit.
– Your repayment capacity (demonstrated by rent payments or savings habits).

FAQ: What is mortgage protection insurance, and is it mandatory?
Answer: Mortgage protection insurance is a type of life insurance that clears your mortgage balance if you pass away before it is fully repaid. In most cases, it is required by lenders before they approve a mortgage. However, exceptions may apply.